Starting July 1, 2021, we’re making changes to some bank accounts, services and fees. Learn more about the changes to some bank accounts, services and fees.

Personal banking

Bank Accounts

Special offer

Get $300 and pay no monthly fee for up to 12 months with a CIBC Smart™ Account.

Bank your way

We offer the access you expect with top-ranked online and mobile banking, plus one of the largest ATM networks across Canada.

Sign up with ease

Apply for an account in 5 minutes — online, by phone or in person.

Enjoy great value

Get the most from your accounts with our great tips and expert guidance. We can help steer your finances in the right direction.

Find the best bank account for you

Our featured accounts



CIBC Smart™ Account


 Special offer

Get $300 and pay no monthly fee for up to 12 months when you open your first chequing account.


Free Interac e-Transfer® transactions1

One free non-CIBC ATM withdrawal in Canada per month2

Monthly fee waiver available3

Monthly fee: $6.95 to $16.95

Transactions4, 5

Up to 12: $6.95

13 to 20: Additional $1.25 each

Unlimited: $16.95


CIBC eAdvantage®
Savings Account


Bonus rate

You could get a bonus rate when you open your first savings account. Apply in 5 minutes!

†† Limits apply.


Free online transfers between your CIBC personal bank accounts

Monthly fee: $0

Interest rate: RDS%rate[3].CESA.Published(null,0.0_up to_4999.99_CAD_Balance,1,1)(#O2#)% on every dollar6

Transactions4: $5.00 each


CIBC Smart™ Plus

 Special offer

Get $300 when you open your first chequing account. Plus, enjoy all-in-one banking with over $700 in value.


Includes a premium CIBC credit card with annual fee rebates7,8

Unlimited transactions including Interac e-Transfer service9

Unlimited ATM cash withdrawals in Canada, the U.S. and internationally10

Monthly fee rebate available11

Monthly fee: $29.95

Transactions4: Unlimited

Save money with rewards and discounts

Link and use your CIBC card with Journie Rewards to save on gas at participating Chevron, Ultramar and Pioneer locations.

Learn more about Journie Rewards

Start getting money back on your everyday purchases at top retailers with CIBC and Paymi.

Learn more about Paymi 

Put away money for tuition and books by saving on everyday purchases. Get a free SPC membership as a CIBC student or youth client.

Learn more about SPC

Great services and features

Overdraft protection



Automate your banking

Pre-authorized payments

Recurring fund transfers

Direct deposit

Couple sitting on the floor looking at paint samples

Create healthier financial habits with CIBC Insights

Manage your daily spending and grow your savings with help from CIBC Insights — a tool included in the CIBC Mobile Banking App® that offers tailored tips based on your debit and credit card activity.

Learn about CIBC Insights

How to

Order foreign cash online

How to

Open a joint account

Flying paper airplane made out of money

How to

Send money with Interac e-Transfer®